68 lines
2.3 KiB
Markdown
68 lines
2.3 KiB
Markdown
# Competences — loan officer
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Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/8e185c49-704e-49c0-8584-a7e0b618f628).
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## Essential
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- **actuarial science** (knowledge)
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- **analyse business plans** (skill/competence)
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- **analyse financial risk** (skill/competence)
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- **analyse loans** (skill/competence)
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- **banking activities** (knowledge)
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- **consult credit score** (skill/competence)
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- **core banking software** (knowledge)
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- **credit control processes** (knowledge)
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- **decide on loan applications** (skill/competence)
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- **examine credit ratings** (skill/competence)
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- **inform on interest rates** (skill/competence)
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- **interpret financial statements** (skill/competence)
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- **interview bank loanees** (skill/competence)
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- **maintain credit history of clients** (skill/competence)
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- **monitor loan portfolio** (skill/competence)
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- **obtain financial information** (skill/competence)
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## Optional
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- advise on financial matters (skill/competence)
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- advise on risk management (skill/competence)
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- apply credit risk policy (skill/competence)
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- assess customer credibility (skill/competence)
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- assist in loan applications (skill/competence)
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- business loans (knowledge)
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- check accounting records (skill/competence)
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- collect property financial information (skill/competence)
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- communicate with banking professionals (skill/competence)
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- customer service (knowledge)
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- debt classification (knowledge)
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- debt systems (knowledge)
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- examine mortgage loan documents (skill/competence)
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- foreclosure (knowledge)
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- maintain client debt records (skill/competence)
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- manage loan applications (skill/competence)
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- mortgage loans (knowledge)
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- property law (knowledge)
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- protect client interests (skill/competence)
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- provide support in financial calculation (skill/competence)
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- securities (knowledge)
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- synthesise financial information (skill/competence)
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- tax legislation (knowledge)
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<!-- market-evidence -->
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## Market evidence (job-ad analysis, 51 ads, as of 2026-07-15)
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Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.
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### Hard skills
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- loan origination — **37 %**
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- mortgage lending — **20 %**
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- sales — **20 %**
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- credit analysis — **20 %**
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### Responsibilities
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- client communication — **20 %**
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<!-- market-evidence -->
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